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Settlement of Bad Loans Through Auction Execution of Customer Rights at Bank Syariah Indonesia: english Erwin Putra Pratama; Markoni; Joko Widarto; Horadin Saragih
Unram Law Review Vol 8 No 1 (2024): Unram Law Review(ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v8i1.307

Abstract

Bank Syariah Indonesia (BSI) is an Islamic bank institution that provides financing to customers. BSI KCP Tangerang City, one of the sub-branch offices, needs help financing the wrong customers. The bank analyzes financing and applies collateral as collateral for customer financing. This research has a problem formulation: how to resolve lousy credit through auction execution of mortgage rights. This research used the normative juridical approach through interviews with data sources, laws, and literature studies. The results of this study indicate that BSI KCP Tangerang City applies an auction for a bad debt if the customer's financing has a bad status and is reluctant to pay his debts under Bank Indonesia Regulation No. 14/15/PB/2012 concerning Asset Quality Assessment of Commercial Banks. The bank considers the relief efforts of restructuring negotiations, such as rescheduling, reconditioning, and restructuring, given time, to the sale of collateral. The implementation and procedures of the auction are submitted to the KPKNL by the Minister of Finance Regulation Number 213 / PMK.06 / 2020 concerning Guidelines for the Implementation of Auctions. The bank conducts collateral credietverband; the sale proceeds are handed over to the customer after deducting KPKNL fees. The bank needs to review the application of the prudential principle, 5C, 7P, and 3R credit analysis to minimize lousy credit. Customers are advised to be able to reconsider the feasibility of their ability before applying for credit from the bank.
Peran Konten Visual Instagram terhadap Niat Beli Pengguna melalui Ketersediaan Informasi Produk Astika Ulfah Izzati; Markoni; Frianka Anindea
International Journal Administration, Business & Organization Vol 5 No 1 (2024): IJABO
Publisher : Asosiasi Ahli Administrasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61242/ijabo.24.387

Abstract

This study aims to examine the direct effect of visual of Instagram content and purchase intention, examine the influece between product information availability and purchased intention, and examine the influence of Instagram visual content to customers purchased intention through product information availability. This research used quantitative approach with causality analysis. By using two types and sources of data, namely primary data and secondary data. The data collection method is carried out directly on people who have used Instagram for shopping. The sample in this study was taken from a population that is considered representative which is 156 respondents. Statistical analysis used to test the mediating effect of product information availability in the relationship between Instagram visual content and purchase intention uses PROCESS MACRO Mediation by Hayes analysis. The result shows that visual of Instagram content indirectly and significantly influence purchase intentions through product information availability, and there is partial mediation in the relationship between visual of Instagram content and purchase intention through product information availability.
Legal Analysis of The Enforcement of Article 18 of The Regulation Issued by The Director General of Taxes, Numbered PER-03/PJ/2022, Regarding Tax Invoices Ban Hin, Siaw; Markoni; Nardiman; Widarto, Joko
Jurnal Legisci Vol 2 No 1 (2024): Vol 2 No 1 August 2024
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v2i1.408

Abstract

The Republic of Indonesia implemented Law Number 12 of 2011, explicitly establishing rules and regulations. Law Number 13 of 2022 has since revised this law. This Law enhances the current legislation, precisely Law Number 10 of 2004. Law Number 12 of 2011 prescribes the procedure for enacting laws and establishes guidelines for resolving conflicts or inconsistencies between these laws and regulations. The objective of this study is to analyze the legal effectiveness of Article 18 of Regulation PER-03/PJ/2022, which was issued by the Director General of Taxes, to Law Number 7 of 2021 on the Harmonization of Tax Regulations and Constitutional Court Decision Number 91/PUU-XVIII/2020. This research methodology entails examining values, norms, and written regulations, establishing a solid connection to the normative legal aspects of the library. The research has determined that the Regulation of the Director General of Taxes Number Per-03/PJ/2022 regulates Tax Invoices and has exceeded its authority in issuing Tax Invoices. The aforementioned rule pertains to the regulatory framework established by the Minister of Finance, which governs this particular matter and confers jurisdiction upon the director general of taxation. The Regulation of the Director General of Taxes Number 03/PJ/2022, which concerns Tax Invoices, does not possess enforceable legal authority and is open to scrutiny by the Supreme Court. Legal certainty is paramount as it provides taxpayers with a lucid and all-encompassing comprehension of their rights and obligations.
Handling Anarchist Demonstrations That Are Harmful to the Community Based on Police Standard Operating Procedures in the Jurisdiction of Polda Metro Jaya Sihombing, Jasalmon; Markoni; Kantikha, I Made; Nardiman
International Journal of Science and Society Vol 7 No 1 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i1.1381

Abstract

Demonstrations, as a form of freedom of expression, often present challenges for security forces, especially when such actions escalate into anarchic behavior that harms the public. In the legal jurisdiction of the Metro Jaya Police, this issue has become a significant concern due to the high frequency of demonstrations in the capital city. This study aims to analyze the Police's Standard Operating Procedures (SOP) in dealing with anarchic demonstrators within the jurisdiction of the Metro Jaya Police. The theories used in this research are law enforcement theory and legal protection theory, employing a normative juridical research method. The results of the study show that the implementation of the Police SOP, which includes stages of prevention, crowd control, and evaluation, plays a significant role in addressing anarchic actions. Challenges such as limited coordination with the organizers, limited resources, and difficulties in maintaining transparency and accountability were identified. In conclusion, the Police SOP at the Metro Jaya Police is designed to handle anarchic demonstrations in a structured, professional, and legal manner, with stages from prevention to the use of measured force, prioritizing transparency, accountability, and the protection of human rights.
Authority of Judicial Bodies in Settling Tax Disputes in Indonesia Gojali, Akhmad; Kantikha, I Made; Markoni; Nardiman
International Journal of Science and Society Vol 7 No 1 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i1.1382

Abstract

Tax is the main source of state revenue. Since 1984, tax collection in Indonesia has adopted a self-assessment system. In the practice of tax collection, disputes often occur between the Tax Authorities and Taxpayers regarding differences in the calculation of tax payable. The judicial body authorized to handle tax disputes in addition to the Tax Court, can also be resolved in other courts. The problems that arise are what causes tax disputes and how is the authority of the judicial body in resolving tax disputes. This study aims to analyze the authority of the judicial body in resolving tax disputes using the normative legal method. The results of the study show that tax disputes occur because there are differences of opinion between Taxpayers and the Tax Authorities in a legal and/or evidentiary manner. The Tax Court is only authorized to resolve disputes over Tax Authorities' Decisions and tax collections that can be appealed/lawsuited. Tax disputes related to Tax Authorities' Decisions that are detrimental to Taxpayers that are not specifically regulated are resolved in the State Administrative Court, while tax collection disputes in the form of hostage-taking of Taxpayers and third-party goods that are confiscated are the authority of the District Court. In conclusion, the authority to resolve tax disputes is not only resolved in the Tax Court, but also has the authority of the State Administrative Court and the District Court.
ANALISIS STRATEGI BISNIS PADA WARUNG MAKAN CHINESE FOOD KENDEDESS DI KOTA KENDARI Muhamad Bahtiar; Nursaban Rommy; Nurul Ittaqullah; Fauzan; Markoni
Jurnal Manajemen dan Kewirausahaan Vol. 17 No. 1 (2025): Jurnal Manajemen dan Kewirausahaan
Publisher : Jurusan Manajemen FEB UHO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55598/jmk.v17i1.28

Abstract

This study aims to identify the micro-business strategies of the Chinese Food Kendedess restaurant using SWOT analysis and to explore strategies for its development. The Kendedess restaurant implements various strategies to maintain the sustainability and quality of its culinary business. Its primary focus is on authentic flavors and friendly service, creating a comfortable atmosphere that encourages customer loyalty. During challenging economic times, the restaurant offers budget-friendly menus and discounts for online orders, allowing customers to enjoy high-quality meals without financial strain. Operational efficiency is maintained through clear task delegation among employees. The SWOT analysis reveals strengths such as a recognized brand (0.60), fresh cuisine (1.00), and excellent service (1.00), with a total strength score of 4.20. However, weaknesses like ineffective promotion (0.60) and suboptimal delivery service (0.50) pose challenges. Opportunities from lifestyle changes (1.00) and a large market segment (1.50) support growth, despite threats such as intense competition (0.90) and inflation (0.75). The total internal factor score is 6.65, while the total external factor score is 7.15, indicating challenges alongside opportunities for sustainable growth
Police Discretion in Investigating Document Forgery and False Information Cases in Indonesia Putra, Ichwan Fuad Chaerul; Markoni; Nardiman; Asri, Dyah Permata Budi
International Journal of Science and Society Vol 7 No 1 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i1.1396

Abstract

Discretion is a form of authority granted to law enforcement officers, including police investigators, to make decisions based on specific judgments to ensure the smooth progression of legal processes. The purpose of this study is to analyze the process of investigation, inquiry, and the determination of suspects in cases of document forgery. The theories utilized in this thesis research include the theory of investigation, the theory of law enforcement, and the theory of discretion. This research employs a normative juridical method, a legal research approach used to analyze and evaluate applicable legal norms and their application in practice. The findings indicate that in cases of document forgery, original evidence must be presented to investigators for subsequent seizure as valid evidence in proving the criminal act of document forgery. Photocopy evidence alone, unsupported by other evidence, is deemed inadmissible. In conclusion, the discretion applied in the investigation process and suspect determination is expected to align with legal principles. Excessive or improper use of discretion can lead to abuse of authority, ultimately undermining public trust in law enforcement institutions.
Legal Analysis of Legal Power and Legal Protection in Informed Consent Practices in High-Risk Surgical Procedures in Hospitals Ediyanto; Markoni; Kanthika, I Made; Asri, Dyah Permata Budi
International Journal of Science and Society Vol 7 No 2 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i2.1443

Abstract

This research examines the legal force and protective function of informed consent in high-risk surgical procedures, focusing particularly on the latest regulatory framework in Indonesia as stipulated by Law Number 17 of 2023 concerning Health. Currently, there is a notable absence of specific scholarly examination addressing this issue comprehensively. Although the regulation clearly defines patients’ rights to comprehensive medical information and mandates healthcare providers to deliver it transparently, practical ambiguities remain regarding the extent of informed consent’s binding legal authority and effectiveness in providing legal protection for both patients and medical professionals. Employing a normative juridical approach with descriptive-analytical methods, the study is primarily based on literature review and analysis of relevant Supreme Court decisions. The central objective of this research is to evaluate the legal enforceability and protective role of informed consent within the context of high-risk surgical treatments. The findings reveal that informed consent possesses substantial legal force derived from contractual principles established between patients and healthcare providers, thereby ensuring mutual legal protection during high-risk medical procedures. Informed consent encompasses preventive measures that aimed at averting potential disputes through clear communication, and repressive measures, which offer legal remedies in cases of violation, thus strengthening accountability and legal certainty within healthcare services.
Pengaruh Ekuitas Merek, Kepercayaan Merek Dan Preferensi Merek Terhadap Loyalitas Pelanggan Three Second Di Bencoolen Mall Bengkulu Jaya, Alfin Firman; Markoni; Fauzan
Jurnal Ekonomi STIEP Vol. 10 No. 1 (2025): JES (Jurnal Ekonomi STIEP)
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat (LPPM) IBE Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54526/jes.v10i1.298

Abstract

Three second adalah salah satu brand industri fashion nasional yang terbilang eksis di Kota Bengkulu. Saat covid melanda, beberapa outlet fashion di Kota Bengkulu tutup dan dan beberapa lainnya sepi pelanggan namun three second terlihat masih ramai pengunjung. Hal tersebut menunjukan loyalnya konsumen terhadap produk three second. Maka dari itu maka penelitian ini bertujuan untk mengetauhi baik secara parsial ataupun simultan apakah ekuitas, kepercayaan dan preferensi berpengaruh terhadap loyalitas. Penelitian ini dilakukan secara deskriptif kuantitatif menggunakan analisa regresi linier berganda. Perhitungan sampel sebanyak 200 responden menggunakan metode hair. Hasil penelitian menyebutkan jika variabel ekuitas dan preferensi tidak berpengaruh terhadap loyalitas sedangkan variabel kepercayaan terbukti berpengaruh dan signifikan mempengaruhi loyalitas.
Perlindungan Hukum terhadap Pelaut Asing yang Bekerja di Indonesia Menurut Peraturan Perundang- Undangan yang Berlaku Solihat, Ihat; Markoni
Arus Jurnal Sosial dan Humaniora Vol 5 No 2: Agustus (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i2.1461

Abstract

Penelitian ini membahas bentuk perlindungan hukum terhadap pelaut asing yang bekerja di Indonesia, baik melalui pendekatan yuridis normatif maupun konseptual. Dalam praktiknya, pelaut asing kerap kali mengalami ketidakpastian hukum dan kekosongan norma terkait pemenuhan hak-hak dasar mereka selama bekerja di atas kapal berbendera Indonesia. Padahal, Indonesia telah meratifikasi sejumlah konvensi internasional seperti Maritime Labour Convention 2006 (MLC 2006) dan International Convention on the Protection of the Rights of All Migrant Workers and Members of Their Families (ICRMW), yang semestinya memberikan jaminan hak-hak perlindungan tanpa diskriminasi terhadap seluruh awak kapal, termasuk pelaut asing. Melalui kajian pustaka dan pendekatan hukum, penelitian ini menguraikan bahwa perlindungan terhadap pelaut asing tidak hanya mencakup aspek keselamatan kerja, jam kerja, dan kesejahteraan di atas kapal, tetapi juga meliputi akses terhadap pelayanan kesehatan, pendampingan hukum, dan hak atas kepulangan yang layak. Penelitian ini menegaskan bahwa perlindungan hukum bagi pelaut asing di Indonesia masih bersifat sektoral dan belum terintegrasi secara sistematis dalam kerangka regulasi nasional. Oleh karena itu, diperlukan penguatan norma dan kebijakan yang lebih komprehensif agar kepentingan pelaut asing dapat diakomodasi secara adil dan berkeadilan.